Which kind of insurance would cover multiple properties under one policy?

Blanket Insurance Coverage is designed to cover multiple properties under a single policy, providing convenience and often cost savings for the policyholder. This type of coverage enables an insured individual or business to insure various properties—such as multiple buildings or other assets—without needing separate policies for each.

The key advantage of blanket coverage is its flexibility; it allows for automatic adjustments in coverage amounts as the values of the properties fluctuate. This means that if one property incurs a loss, the coverage can apply across the other properties to some extent, subject to the terms of the policy.

This option is particularly beneficial for individuals or businesses that manage several properties, allowing them to simplify their insurance needs while ensuring adequate protection for all their assets. In contrast, specific insurance coverage typically applies to a single property or item, while commercial liability insurance focuses on legal liabilities and not the coverage of multiple properties. Homeowners insurance usually covers an individual's primary residence and possibly some personal belongings, but it does not generally extend to multiple distinct properties under one policy.